Authentication Services Using Mobile Device

1. A method, comprising: authenticating a mobile device communicably connectable to a wireless network by an authentication parameter from a secure transaction server (STS), as a mobile device authenticator; providing an STS correlation between a personal identification entry (PIE) and the mobile device authenticator; and providing an authentication function upon a user attempting an access to a provider as an action with the provider, the provider including a physical environment, a computer system, or any combinations thereof, according to one or more authentication services including an authentication service of: receiving by the STS, a provider authentication request, in response to the user attempted access to the provider computer system, transmitting by the STS a transaction token to the provider computer system, in response to the received provider authentication request, inputting, by a user, the PIE and the transaction token, to the mobile device authenticator to transmit a transformed secure user authenticable authorization request to the STS over the wireless network as a user authorization of the action with the provider, based upon the PIE, the transaction token and the authentication parameter, verifying, by the STS, the provider authentication request and the user authorization to access the provider, transmitting, by the STS, a user authentication result to the provider computer system, according to the verifying, and authorizing the user access to the provider computer system, according to the user authentication result transmitted from the STS.

2. The method according to claim 1 , wherein the user attempted access to the provider computer system comprises submitting a single manipulation action request to the provider computer system.

3. The method according to claim 1 , wherein the mobile device authenticator is a mobile phone communicably connectable with a mobile phone network, wireless Internet, or any combinations thereof, as the wireless network, and the method further comprises: associating, by the provider computer system, a user password and username for accessing the computer system with a mobile phone number of the mobile phone, and inputting by the user only the mobile phone number at the provider computer system in the attempted access to the provider computer system.

4. The method according to claim 1 , wherein another authentication service comprises: providing a login function to the provider computer system using a username and password in place of transmitting the transaction token, and authorizing the action with the provider based upon the user inputting the PIE and the provider action, to the mobile device authenticator to transmit the transformed secure user authenticable authorization request to the STS over the wireless network.

5. The method according to claim 1 , wherein the wireless network is Internet, and the method further comprises: logging, by the STS, Internet Protocol (IP) address of a plurality of mobile device authenticators that transmit user authenticable authorization requests to the STS, wherein the STS verifying further comprises comparing the IP address of each mobile device authenticator with a corresponding authentication parameter.

6. The method according to claim 1 , wherein the transmitting of the user authentication result to the provider computer system further comprises transmitting, by the STS, a verification code to the mobile device authenticator and to the provider computer system, wherein the provider computer system authorizes access in response to the STS user authentication result and user input of the verification code.

7. The method according to claim 1 , wherein the provider computer system comprises an Internet web site login web page, and the transaction token is displayed on the login web page as a Completely Automated Public Turing Test To Tell Computers And Humans Apart (CAPTSHA).

8. The method according to claim 1 , wherein the mobile device authenticator is a mobile phone communicably connectable with a mobile phone network, or wireless Internet, or any combinations thereof, as the wireless network.

9. The method according to claim 1 , wherein the PIE is a 4 or more digit personal identification number, biometric information of the user, or any combinations thereof.

10. The method according to claim 1 , wherein the transformed secure user authenticable authorization request to the STS over the wireless network is a user payment authorization, and the method further comprises: verifying, by the STS, a provider payment request and the user payment authorization; and settling by the STS the payment to the provider.

11. The method according to claim 1 , wherein the provider computer system is an automated teller machine (ATM), or a website, or any combinations thereof.

12. The method according to claim 1 , wherein the transformed secure user authenticable authorization request to the STS over the wireless network is according to Universal Pervasive Transaction Framework Secure Agreement Submission (UPTF SAS) protocol.

13. The method according to claim 1 , wherein the transformed secure user authenticable authorization request is a time-dependent and authentication parameter dependent user key, and another authentication service further comprises: presenting, by the user, the user key to the provider; transmitting, by the provider, the user key to the STS; generating, by the STS, an STS-generated user key for a current time, in response to receipt of the provider-submitted user key; verifying a match between the STS-generated user key and the provider-submitted user key; and authenticating, by the STS, the user for the provider, according to the verifying.

14. The method according to claim 1 , wherein the generated transformed secure user authenticable authorization request is a user generated authentication token, based upon the PIE, the transaction token and the authentication parameter, and another authentication service comprises: presenting, by the user, the user generated authentication token at the provider; transmitting, by the provider, the user generated authentication token to the STS; generating, by the STS, an STS-generated user authentication token, in response to receipt of the provider-submitted user generated authentication token; verifying a match between the STS-generated user authentication token and the provider-submitted user generated authentication token; and authenticating, by the STS, the user for the provider, according to the verifying.

15. The computer system according to claim 1 , wherein the generated transformed secure user authenticable authorization request is a user generated authentication token, based upon the PIE, the transaction token and the authentication parameter, and wherein the provider computer system provides another authentication service by: requesting the user to present the user generated authentication token at the provider; transmitting the user generated authentication token to the STS; and receiving an authentication result from the STS based upon verifying a match between the STS-generated user authentication token and the provider-submitted user generated authentication token.

16. A computer system, comprising: a secure transaction server (STS) authenticating a mobile device communicably connectable to a wireless network by an authentication parameter as a mobile device authenticator, and providing a correlation between a personal identification entry (PIE) and the mobile device authenticator; and a provider computer system providing an authentication function upon a user attempting an access to the provider as an action with the provider, the provider including a physical environment, a computer system, or any combinations thereof, according to one or more authentication services including an authentication service of: providing to the STS a provider authentication request, in response to the user attempted access to the provider computer system, receiving from the STS a transaction token, in response to the received provider authentication request, requesting a user to input the PIE and the transaction token, to the mobile device authenticator to transmit a transformed secure user authenticable authorization request to the STS over the wireless network as a user authorization of the action with the provider, based upon the PIE, the transaction token and the authentication parameter, receiving from the STS a user authentication result, based upon verifying, by the STS, the provider authentication request and the user authorization to access the provider, and authorizing the user access to the provider computer system, according to the user authentication result received from the STS.

17. The computer system according to claim 16 , wherein the authentication service further includes prompting the user to submit a single manipulation action request to the provider computer system as the user attempted access to the provider computer system.

18. The computer system according to claim 16 , wherein the mobile device authenticator is a mobile phone communicably connectable with a mobile phone network, wireless Internet, or any combinations thereof, as the wireless network, and the authentication service of the provider computer system further comprises: associating, by the provider computer system, a user password and username for accessing the computer system with a mobile phone number of the mobile phone, and prompting the user to input only the mobile phone number at the provider computer system in the attempted access to the provider computer system.

19. The computer system according to claim 16 , wherein the provider computer system provides another authentication service comprising: providing a login function to the provider computer system using a username and password in place of transmitting the transaction token, and authorizing the action with the provider based upon the user inputting the PIE and the provider action, to the mobile device authenticator to transmit the transformed secure user authenticable authorization request to the STS over the wireless network.

20. The computer system according to claim 16 , wherein the transformed secure user authenticable authorization request is a time-dependent and authentication parameter dependent user key, and the provider computer system provides another authentication service by: requesting the user to present the user key to the provider; transmitting the user key to the STS; and receiving an authentication result from the STS based upon verifying a match between an STS-generated user key for a current time and the transmitted provider-submitted user key.